Focus Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 49.4% lower than in Q1 2026, at $34.6M. On loan-to-deposit ratio, Focus Bank ranks 13th highest among the 191 banks headquartered in Missouri, at 104.89% (Q2 2026). Focus Bank reported 104.89% on loan-to-deposit ratio for Q2 2026, 24.33 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $34.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $99.4M |
| Fed funds sold and reverse repos | $3K |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $61.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.20% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 104.89% |
| Net loans and leases to deposits | 103.62% |
| Loans and leases to core deposits | 125.19% |
| Core deposits to total deposits | 83.78% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 111.27% | 86.61% | $0 | $109.0M |
| Q4 2023 | 109.02% | 86.46% | $0 | $91.5M |
| Q1 2024 | 105.75% | 85.92% | $0 | $79.0M |
| Q2 2024 | 110.64% | 84.71% | $0 | $99.0M |
| Q3 2024 | 112.29% | 83.64% | $0 | $106.5M |
| Q4 2024 | 107.70% | 83.73% | $0 | $81.5M |
| Q1 2025 | 103.92% | 85.79% | $0 | $66.5M |
| Q2 2025 | 109.20% | 84.44% | $0 | $96.5M |
| Q3 2025 | 110.72% | 83.99% | $0 | $99.0M |
| Q4 2025 | 109.93% | 83.93% | $0 | $99.0M |
| Q1 2026 | 101.67% | 84.06% | $0 | $79.0M |
| Q2 2026 | 104.89% | 83.78% | $0 | $61.5M |
Focus Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Focus Bank, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Focus Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1426) · FFIEC NIC profile (RSSD 498148)